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New to boards/Opinion wanted! Recon or Garden?

Valued Member

Re: New to boards/Opinion wanted! Recon or Garden?

So I just did an incredible amount of research on disputes because I just got some LP's removed this week.

 

If I'm not mistaken, if you dispute something and it is removed, you can ask the CRA to send the adjusted report to any company that has pulled your report in the last 6 months to check credit. If thats the case, you may can send your new report to Chase and do somehting like a recon. Contact the CRA's and check into having your report sent again after the lein is removed


Starting Score: TU (myFICO) , EQ (myFICO) 620 , EX (PlusScore) 661 [1/1/13]
Current Score:font> TU (myFICO) 678 , EQ (myFICO) 660 , EX (PlusScore) 706 [6/11/13]
Goal Score: 750+ All Three


Take the myFICO Fitness Challenge

Message 11 of 21
Moderator Emerita

Re: New to boards/Opinion wanted! Recon or Garden?

Since you were denied credit, you can request your report from that bureau ( probably Ex) and then use that same report for up to 90 days. Not sure if Citi pulled EQ, if so you can req your report the same as EX. You can req your annual credit report for free at annualcreditreport.com. I wouldn't worry so much about buying their CS because it a FAKO .

Message 12 of 21
Established Member

Re: New to boards/Opinion wanted! Recon or Garden?

Wow! JGBishop! That's great news!

 

Super exciting!

 

 

 

I will surely follow up on this!!!!!

 

 

THANK YOU!!!

 

Smiley LOL

Wallet: JetBlue Plus Barclay MasterCard - $3000/ Cap One Quicksilver - $2500 / Citi Diamond Preferred - $2000 / Chase Slate - $2000 / Barclaycard Rewards Visa - $1900 / Discover It - $1900 / Target - $2100 / Macy's - $2100 / Victoria Secret - $950

Starting Score 6/17/13: EQ:651 EX:640
Current Score: TU:685 5/5/16 EXP: n/a 5/5/16
Goal Score: 750
Message 13 of 21
Established Member

Re: New to boards/Opinion wanted! Recon or Garden?

Thanks for the info Lexie!

Wallet: JetBlue Plus Barclay MasterCard - $3000/ Cap One Quicksilver - $2500 / Citi Diamond Preferred - $2000 / Chase Slate - $2000 / Barclaycard Rewards Visa - $1900 / Discover It - $1900 / Target - $2100 / Macy's - $2100 / Victoria Secret - $950

Starting Score 6/17/13: EQ:651 EX:640
Current Score: TU:685 5/5/16 EXP: n/a 5/5/16
Goal Score: 750
Message 14 of 21
Valued Member

Re: New to boards/Opinion wanted! Recon or Garden?

What is your current balances on your accounts?? 

AMEX BCE - $27,000 ~ Chase Sapphire Preferred VISA SIGNATURE- $24,000~ AMEX Platinum -$NPSL ~ Citi Diamond Preferred $10,000
USAA MASTERCARD - $10,000 Commerce Bank Visa $8,000~
USAA Student VISA - $1,000 ~ Chase Freedom - $500
Message 15 of 21
Frequent Contributor

Re: New to boards/Opinion wanted! Recon or Garden?

Ideally, you want one card to report between 1 and 9 % utilization, with the rest reporting 0.  Before you app for anything else, you definitely want to pay down the balances. That will give you time to let the tax lien come off all three reports - but before you do app, check all three reports to make sure it's gone.  You asked about not using a card instead of closing it, but you want to occasionally use it or the company could shut it down for non-usage.  One charge every five or six months will keep it active, so you can pay for gas with it or pay a bill with it or whatever to keep it open.  As long as it doesn't have an annual fee, you might as well keep it open.  

 

There is a lot of people on here with a lot of knowledge.  Don't be afraid to ask questions as you prepare to app for new cards.  Good luck!

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 16 of 21
Frequent Contributor

Re: New to boards/Opinion wanted! Recon or Garden?

I would suggest that you pay for credit card balance and apply for capital one card.
CapOne has lower standards and will help you in getting your score up.
Apply for Chase card after 6 months of low util between 1 to 9%.
Your student loans don't affect your util %.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 17 of 21
Established Member

Re: New to boards/Opinion wanted! Recon or Garden?

 

 

@drinkthekoolaid:

 

$1655 - Cap One (limit 2,000)

$1500 - Barclays (limit 1700)

 

I've been a high balance carrier during my entire credit history really. I always pay on time and over the minimum (even if just by a little)

I noticed on my credit report though, that it does not show the balances I carried when my Cap One Credit Card was $500.

I had a high balance, then made a large payment to bring it down to less than 20% since I was apartment shopping and then they upped my limit to $2,000.

Wallet: JetBlue Plus Barclay MasterCard - $3000/ Cap One Quicksilver - $2500 / Citi Diamond Preferred - $2000 / Chase Slate - $2000 / Barclaycard Rewards Visa - $1900 / Discover It - $1900 / Target - $2100 / Macy's - $2100 / Victoria Secret - $950

Starting Score 6/17/13: EQ:651 EX:640
Current Score: TU:685 5/5/16 EXP: n/a 5/5/16
Goal Score: 750
Message 18 of 21
Established Member

Re: New to boards/Opinion wanted! Recon or Garden?

Thanks kimmiller112!

 

The advice is much appreciated. I was looking for exactly this kind of information.

 

To make sure I understand what you are describing:

 

Of my two credit cards Barclays ($1700 cl) and Capital One ($2000cl) with Barclays interest rate bneing higher, I should pay off my Barclays card and use it once every 5-6 months, then keep about $180 owed on my Capital One?

I want to be sure I understand what you mean by utilization. Does that mean I am constantly using $180 and paying it off or is that $180 balance left on the card monthly?

 

 

Thanks!

 

 

Wallet: JetBlue Plus Barclay MasterCard - $3000/ Cap One Quicksilver - $2500 / Citi Diamond Preferred - $2000 / Chase Slate - $2000 / Barclaycard Rewards Visa - $1900 / Discover It - $1900 / Target - $2100 / Macy's - $2100 / Victoria Secret - $950

Starting Score 6/17/13: EQ:651 EX:640
Current Score: TU:685 5/5/16 EXP: n/a 5/5/16
Goal Score: 750
Message 19 of 21
Established Member

Re: New to boards/Opinion wanted! Recon or Garden?

@Newtocredit80,

 

Are you allowed to have more than one credit card with the same branch?

 

I already have a Capital One card so I could pay down and then request an CLI with them instead of a new card with them, although the mileage card from all the commercials is obviously very desirable.

Wallet: JetBlue Plus Barclay MasterCard - $3000/ Cap One Quicksilver - $2500 / Citi Diamond Preferred - $2000 / Chase Slate - $2000 / Barclaycard Rewards Visa - $1900 / Discover It - $1900 / Target - $2100 / Macy's - $2100 / Victoria Secret - $950

Starting Score 6/17/13: EQ:651 EX:640
Current Score: TU:685 5/5/16 EXP: n/a 5/5/16
Goal Score: 750
Message 20 of 21